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Thanks Julie,
This fixed the problem.   Understand that wrong owner of the W-2 was the cause of the miscalculation, but after uploading the W2s (same as previous year) this wasn't obvious, since W2s are generally something I have not needed to review for accuracy over the many years I have filed.  Other forms of income and credits/deductions tend to get more scrutiny before I file.

I spent quite a bit of time trying to find details in my return summary that would indicate an excess contribution- and why it was calculated as such, but couldn't find any.